Pioneer Bancorp Inc (PBFS) — Cash Flow Quality Index
Pioneer Bancorp Inc (PBFS) has a Cash Flow Quality Index of 0.90x as of September 2025. Operating cash flow of $3.90 Million is below net income of $4.33 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore PBFS cash flow conversion to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Pioneer Bancorp Inc Cash Flow Quality Index (2017–2025)
Historical Cash Flow Quality Index for Pioneer Bancorp Inc across 9 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Pioneer Bancorp Inc total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Pioneer Bancorp Inc (2017–2025)
Year-by-year earnings quality comparison for Pioneer Bancorp Inc. For live market cap and the full company financial profile, see PBFS market cap.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.76x | $33.71 Million | $19.20 Million | ▲ +12.3% |
| 2024 | 1.56x | $23.85 Million | $15.26 Million | ▲ +30.6% |
| 2023 | 1.20x | $26.27 Million | $21.95 Million | ▼ -75.4% |
| 2022 | 4.86x | $49.97 Million | $10.28 Million | ▼ -84.0% |
| 2021 | 30.32x | $32.65 Million | $1.08 Million | ▲ +7682.5% |
| 2020 | 0.39x | $2.02 Million | $5.20 Million | ▼ -53.5% |
| 2019 | 0.84x | $6.13 Million | $7.31 Million | ▼ -58.1% |
| 2018 | 2.00x | $23.00 Million | $11.50 Million | ▼ -5.1% |
| 2017 | 2.11x | $11.87 Million | $5.63 Million | — |